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Nowadays, human needs for health insurance increasingly need
to be met. It relates to guarantees that protect your financial sector, in the
event of undesirable things, such as accidents, chronic diseases, and natural
disasters. Today, the cost of medicine, doctors, and hospitalization are
rising. Plus if the disease is classified as serious disease. You can say that
you are a healthy person right now. However, you will not know how your health
will be in the future. For that, you need to take preventive measures by
protecting yourself and your family with health insurance.

Health Insurance Tips
and Tricks - In addition, by using insurance, you can protect your finances
as well. Because if you do not have insurance and then there is an accident or
disease, it will often make a person's finances become unfamiliar. When it has
reached the limit of financial ability, and when it is also you have to make up
for medical expenses, often will be a lot of things at stake, for example to
mortgage jewelry, vehicles, even homes. Owe can be done if the situation is
very urgent.

It would be very lucky if you work in a company that has
covered health insurance. What if not? So try to have your own insurance.
Choose health insurance from insurance companies. You can also apply for
insurance organized by the government, such as BPJS Health . The problem is,
there are still many people who do not understand about the important things
before buying a health insurance policy. In addition to the things that need to
be met, the rights to be earned, it also concerns the choice of health
insurance that is eligible to be elected. For that, you need to pay attention
to the following important things before you buy health insurance.

1. Insurance Product
Name

Every insurance product has a very diverse name. Because
when you are looking for health insurance , the provider must have more than
one product name. For that, you must be careful and know carefully the name of
an insurance product that will you choose.

2. Choosing a Health
Insurance Provider

Choose an insurance company with a good track record of
excellent products and services. One of the characteristics of a good insurance
company is to have many branches. To find out, you can search for information
via internet or newspaper media. To be more confident, look for your colleagues
or relatives who ever tried insurance on a company. Try searching and compare
companies that provide many benefits.

Pay close attention and compare the benefits of the premiums
to be paid. Choose products that fit your financial needs and capabilities. Do
not force yourself to take out expensive insurance. You can trim your budget by
choosing an ordinary room when you have to undergo hospitalization, no need to
fancy.

3. Terms of Health
Insurance

Learn first what services are offered by the company, and
what are the benefits to be gained. Read through chapter by chapter in detail,
as they usually often include terms that are poorly understood or biased in
meaning. If you still do not understand, you can ask to get a clear answer.
Make sure that the insurance policy covers the health costs you want, such as
hospital fees, doctors, medications, and operating costs.

4. Guarantee or
Coverage it

It is imperative that you as a prospective customer
understand exactly this. Because it can affect your decision to buy insurance
or not. Every customer has the same thoughts for insurance that bought can meet
the needs to the fullest. That is, protect from various disease risks as well
as various health problems in the future.

You need to know what risks will be guaranteed insurance.
Also note also whether there is a maximum age limit that can be guaranteed
insurance products that you will choose. No less important, you also need to
know how many other family members can be covered by the insurance.

5. Annual Claim Value

Generally, the insurance agent will provide a table of claim
values ​​that will be accepted by you as a potential customer when ill every
year. For example, the rates of general practitioners, physicians, prescription
drugs, types of diseases, and others. When the maximum claims have been
exceeded, the rest of the treatment will be your responsibility.

6. Hospital Network
and Reimbursement System

The more hospital choices that work with insurance
companies, the better the product. Moreover if the insurance product was
accepted in all hospitals. Therefore, you can calmly rely on the insurance
product. You as a prospective customer will feel comfortable when treatment.
Just by showing insurance card, your problem can be solved. This method is
referred to as cashless which means you do not have to pay at the hospital
because it is borne by the insurance.

In addition, note whether also apply system reimbursements.
This system means you have to pay first and then can claim to the insurance
company. For reimbursement, customers are usually required to attach
prescriptions and diagnostic forms that have been signed by the doctor.

7. Inpatient and Road
Procedures

In health insurance, there are two types of treatment that
is borne, namely in-patient (in-patient treatment) and out-patient (out-patient
treatment). You need to check whether your insurance agent provides inpatient
or outpatient dependents. For Outpatient, you also need to ask how the
insurance company will provide reimbursement of medical expenses or laboratory
tests as promised in the policy. Of course, if the participant is hospitalized
or outpatient in a clinic or hospital.

Good insurance products will make customers comfortable
because it does not need to bother taking care of hospital administration. You
just simply show the insurance card and no longer need to pay cash to get the
desired service because it is borne by the insurance company. Meanwhile, for
inpatient, the procedure beratung on premiums paid. The hospital will check the
benefits of insurance tailored to the health care class. For example, the
nominal given by the insurance company for the cost of the room is as much as
Rp250.000, -. The price is equivalent to the class III. Therefore, the hospital
will encourage patients to be treated in class III.

However, what if the class III is full? Usually, the insurer
will raise the facility to be higher. But this is only temporary until there is
a class III inpatient room and the patient will be moved. If you want to go to
class because you feel less satisfied with the facilities you get, you can
raise the class independently. How, by requesting "Letter of Declaration
of Availability of Payment of Difference of Cost" to be filled and signed
by patient or patient's family.

8. Risk of Accidents,
Permanent Disability, and Death

In health insurance products, there are two types of
products, namely pure and additional (riders). Pure health insurance covers
only reimbursement of medical expenses or laboratory tests when ill. Insurance
coverage can be extended if the prospective customer wants this riders facility
as an additional insurance. Riders are reimbursement of all hospital costs due
to accidents, critical illness treatments, to the provision of compensation for
death.

Additional insurance or riders is to optimize the main
insurance program. Nevertheless, you must be wondering to get an extension of
that benefit. Do you have to add premiums or are included in the benefits of
the product? If you do not really understand the benefits, you should ask for
illustrations of any event that insurance is guaranteed. Illustrations such as
accidental incidents on the highway due to being hit by a vehicle. Whether the
insurance will cover all the treatment or whether there are other requirements
that need to be prepared.

9. Premium

These points are related to your financial capacity. How
much will be spent on insurance payments. Payments are made monthly, per
semester, or per year? However, what matters most is how long does it cost? It
is rare for an agent to inform such things. There are enough to pay for 10
years only, but the benefits until the customer dies. There is also a fixed pay
until the customer is 80 years old, some even have a lifetime to pay. Make sure
this is clear because it involves the amount of money you invest.

10. Medical Check Up

There are insurance that provides medical check up and some
are not. If there is a medical check-up, usually the insurer wants to measure
the health risks of prospective customers. If a customer is diagnosed with a
particular disease, the insurance policy may be rejected. Or if you can,
customers get the consequence of paying more premium. Most insurance products
do not include the burden of medical check-up fees as covered, or in other
words the cost is borne by the customer. This policy is intended not to be
misused for those who just want to do a free checkup. So, you need to make sure
from the beginning whether there is a medical check-up or not.

11. Knowing How to
Cancel an Insurance Policy

Believe it or not, insurance agents usually deliberately
hide this subject. In fact, you as a customer have the right to know as well.
Please read carefully the insurance policy contained provisions that read,
"If you do not agree with the contents of the policy, then within two
weeks of the policy rises, the policy can be returned and the money can be
returned to the customer."

That is, prospective customers have two week to cancel the
policy it approves. Or in other words, prospective customers are given two
weeks to learn the policy. If you do not agree, you can cancel at once your
money back. If it has passed from the time set, you agree with the contents of
the policy.

12. If the Premium
Payment is Loss

This point is more in terms of anticipation only if in the
future you fail to pay a premium. The problem is, this concerns the interests
of customers who are worried if the default so that by default not get health
insurance from insurance. Notice what policy the insurance agent offers. Usually
given is the waiting period. That is, if at maturity pay your premiums can not
pay off, the policy is not automatically closed or canceled unilaterally from
the insurance company.